Chase Freedom Q4 2019 Categories Announced: PayPal, Chase Pay & Department Stores

Chase has announced the 5% categories for Q4 2019 and it’s a good selection – PayPal, Chase Pay & department stores will all earn at the 5% rate.

Chase Freedom Q4 2019

Those three categories aren’t being listed on the website yet (as you can see above), but One Mile at a Time is reporting that those will be the ways you can earn 5% from October 1 to December 31.

That should make it pretty easy to max out the $1,500 limit during Q4. Everyone’s methods will likely be different, but here are a few suggestions.


PayPal is one of Discover’s 5% categories in the current quarter. I maxed out that card’s $1,500 quarterly limit a few weeks ago by making my Discover card the default payment option for my PayPal account. That included a few transactions when booking travel for 40k To Faraway to have a little extra cashback to spend on the trip, although my flights were all booked using the Chase Sapphire Reserve for its superior travel benefits.

PayPal is widely accepted on all kinds of sites, so that’ll probably be the easiest option for most people. If nothing else, you could buy gift cards from PayPal Digital Gifts to save 5% on those.

Chase Pay

If you have a phone with Samsung Pay, you can use Chase Pay with that to get the 5% cashback. Otherwise, several stores like Best Buy, Starbucks and Shell accept Chase Pay, as does ShopRite (I think) if you have any of their grocery stores near you.

Department Stores

With the holiday season falling in the final quarter, I’m sure most people will have some element of spending at department stores. Paying for online transactions at these stores will have the added benefit of earning cashback through shopping portals, although some department stores are also included for in-store cashback.

For example, Macy’s and JCPenney are part of the Rakuten/Ebates in-store cashback program, but at only 1% and 2% respectively, it’s not as rewarding as the online option. Having said that, JCPenney is on the Dosh app for 3% cashback for in-store purchases, so be sure to link your Freedom card to the app if it isn’t already.


Registration for these Q4 2019 categories opens on Sunday September 15, so we’ll provide registration links for Chase Freedom and the other cards offering 5% bonuses in a couple of days.


About Stephen Pepper

Stephen Pepper is on a 5 year, 50 state road trip with his wife Shae and their dog Truffles. Finding opportunities to earn miles and points is one of the ways they can afford to do this, so he'll try to help you do the same for your own travels.

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Ed. C
Ed. C

Will using Chase Pay through Samsung Pay earn 5X at Walmart buying groceries?


I have to disagree and say these are terrible categories, I never shop at department stores, I use PayPal once every couple years, and chase pay is accepted at like 4 stores. I think this is similar to last year q4 in which I also wasn’t able to take advantage. I think it’s pretty ridiculous people have been known to crap on other quarters where gas stations, grocery stores, or pharmacy type stores are bonus categories and yet we’re going to call this a good bonus. At least at those categories you can buy gift cards to a hundred different places.


Are there ms type tricks for using PayPal? If not, I expect only minimal benefits from our three freedoms.


ShopRite accepts Chase pay.


Can you buy gift cards at a department store and qualify for the 5x back? Like go to Kohls and buy restaurant gift cards?